Square Loans vs Kapitus

Two loans & credit tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	Square LoansBlock	KapitusKapitus
In one line	Advances for Square sellers, repaid from card sales	Larger loans and revenue-based financing for businesses past two years
Starting price	Flat fee, no interest	Rates from 6.2%
Six-person team	Flat fee, no interest	Rates from 6.2%
Plans	One flat fee per loan, no interest; a fixed share of daily card sales repays it	Loans and revenue-based financing up to $5M over 6-24 months; line of credit up to $750K (needs $180K revenue); needs 2+ years in business, $250K yearly revenue, 650 credit score; rates from 6.2%, set by quote
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Square only	Bank connection
Team size	Just me · 2–10 people · 11–50 people	2–10 people · 11–50 people
Available in	US · UK · CA · AU	US
Phone support	Plans not stated (US)	Plans not stated
Live chat	Plans not stated	None listed
Support hours	Not published	Not published
Incidents posted	14 incidents posted on Block's status page, which covers all Block products and regions, in the 90 days to Oct 27, 2026; 0 marked major or critical by Block. Status page	We found no public status page for Kapitus.
Trustpilot score	Not listed	4.4 / 5 from 802 reviews
Fit: Retail shop	90	70
Fit: Restaurant or café	85	72
Fit: Service business	70	70
Fit: Agency or studio	20	62
Fit: Trades or contractor	50	75
Fit: Online store	40	65
Why people pick it	Offers appear automatically No fixed monthly payment	Large amounts Several offers from one application
Where it falls short	Must sell through Square Minimum repayment every 60 days	Only the lowest rate is published Needs two years and $250K revenue
	Visit Square Loans ↗	Visit Kapitus ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices